CMS Price Transparency Data

MRI, lower back (no contrast)

Facility: McLaren Bay Region

Billing Code: 72148 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72148
Insurance Median: $132
Cash Discount Price: $446
vs. Medicare Baseline: 0.54x Medicare

The contracted insurance negotiated median rate for a MRI, lower back (no contrast) at McLaren Bay Region is $132. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $446. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 0.54x the Medicare baseline. Located in 1900 Columbus Ave, Bay City, MI.

Cash / Self-Pay

$446

Average discount available for prompt cash payment at this facility.

Insurance Median

$132

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$243.77

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $243.77 (100%)

Cash / Self-Pay: $446 (183%)

Insurance Median: $132 (54%)

Cash: $446 (183% of Medicare)

Ins. Median: $132 (54% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $243.77 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Medicaid / KanCare	$45 - $136	18%
Humana	$67 - $236	27%
Medicare (plans)	$67 - $377	27%
U Of M Health Plan	$77	32%
UnitedHealthcare	$88 - $1,111	36%
Aetna	$91 - $1,297	37%
Priority Health	$102 - $840	42%
Blue Cross Blue Shield	$111 - $526	46%
Mclaren Commercial Ins	$128 - $440	53%
Mi Amish Medical Board	$236	97%
Tricare	$237	97%
Cofinity Auto	$448	184%
Workers Compensation	$494	203%
Cofinity Group 15892 & 15893	$762	313%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $446.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72148.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McLaren Bay Region is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72148.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.